The new en.MoRe mobile remittances solution from EastNets is designed to enable cross-border person-to-person mobile initiated payments. It interconnects global Mobile Network Operators (MNOs) and banks over en.MoRe’s unique platform using SWIFT worker remittances standards more at: http://www.eastnets.com/Solutions/MobileRemittances.aspx

1. Mobile Remittances
Secure, Compliant Mobile Money Transfer
®

2. With over 1.3 billion people living outside their country of
birth, the remittance industry is witnessing an increased
turnover reaching $400 billion annually. The total revenue is
hitting the boarders of $15 billion and increasing.
Banks are noticing the increasing demand for new innovative
and customer oriented services. The Mobile Money transfer is
en.MoRe Key Benefits
amongst their top priorities
• Enables convenient and fast mobile
Introducing en.MoRe
remittances
EastNets innovative Mobile Remittance solution (en.MoRe) • Secure and reliable
provides telecommunication services providers with means to • Flexible service framework
connect to the financial network, allowing easy to integrate, • Scalable
fast, reliable and secure communication that allow mobile • Robust and transparent
subscribers to remit monies over SWIFT network. • Global reach to over 9000 banks on SWIFT
• Fast go-to-market plan
• Ready to use solution for MNO’s and Banks
en.MoRe provides a unique solution for mobile network
• Straightforward integration
operators by managing the remittance life cycle and
connecting their customers to the financial institutions in the
receiving corridors.
en.MoRe provides an easy and straight forward customer
experience that complies with regulatory requirements.
en.MoRe business processes satisfies the KYC, AML and
financial regulations, yet is an easy to use service.

3. en.MoRe: Unique in the Marketplace
Mobile money transfer is becoming one of the important trends in • Regulatory compliance: en.MoRe capitalize the extensive
financial industry. en.MoRe is a unique solution that addresses the experience of EastNets in the anti-money laundry (AML), counter
growing demand for financial services from the mobile operators terrorism financing (CTF). en.MoRe complies with the local and
side, and complies with international banking regulations. en.MoRe international cross boarder money transfers.
is the connection between the two worlds where the customers
benefit from a convenient, accessible and affordable solution to remit • Standards: en.MoRe is using an internationally recognized
monies to developing worlds. standards to transform payment requests initiated by the MNO
subscribers into a cash payment request on the other side of the
• Security: en.MoRe provides non-repudiation and secure world. Both banks and mobile network operators will be using
mobile payment transactions from any MNO to any partner bank an internationally recognized standards to connect into this
on the en.MoRe network. With this capability, en.MoRe enables platform.
secure cross border transactions by millions of mobile users
across the globe.
• Easy to integrate: en.MoRe offers a first-of-its-kind
platform to interconnect global MNOs and hubs to a financial
community of more than 9,000 banks over the SWIFT network.

4. How Does en.MoRe Work?
The Remittance Flow Financial Settlement, Information and Reconciliation
Process
• The transaction of mobile remittance starts by sending a • en.MoRe provides mobile remittance transactions and
command from the subscriber handset to the MNO network, reconciliation reports to the MNOs and the global settlement
where the customer details are verified. The verification bank for daily financial settlement.
process includes the balance, customer information, service • MNOs, via their local banks, pay daily settlement amounts to
subscription and so on. the global settlement bank.
• Upon successful validation the MNO routes the payment • The global settlement bank pays the receiving bank.
request information to the en.MoRe platform.
• The en.MoRe platform validates the transaction details,
prepares and transforms the payment instruction into a
financial payment request. A set of AML, KYC and compliance
rules apply to the transaction to invalidate any suspicious or
malicious activities
• The bank receives and processes the payment request
• For the beneficiary to collect their transaction, another KYC
validates the receiver.
About EastNets
EastNets is a leading provider of global compliance and payment solutions and services with over 1,000 customers in 120 countries.
Founded in 1984, EastNets has over 25 years of experience serving financial institutions and corporates around the globe. EastNets provides
Compliance Solutions including anti-money laundering and anti-fraud; Resilient SWIFT Solutions for SWIFT FIN/XML reporting, duplicate
detection management, disaster recovery, and outsourced SWIFT connectivity with its SWIFT Service Bureau; and Mobile Remittances
Solutions enabling secure, compliant mobile remittances. In addition, EastNets delivers a full range of SAA payment architecture consulting,
implementation services, training and maintenance to help clients protect, manage and improve their SWIFT environment.
en.MoRe
United States Patent and TradeMark Office Provisional Patent Application No:
US 61/282,761 date : 03/26/2010
Mobile Payment System and Method
Foreign Filing License granted 04/12/2010
info@eastnets.com
www.eastnets.com V 09/11